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Home loan interest rates

Rates effective from: 05/02/2021

Residential lending interest rates

See our home loan glossary for detailed explanations of lending terms such as LVR, LMI and many more.

Variable - Owner Occupied Lending

Complete Home Loan

View Complete Home Loan

Principal & Interest10

Principal & Interest

Comparison rate1

Interest Only10

Interest Only

Comparison rate1

LVR ≤ 60% 2.69% p.a. 2.94% p.a. 3.44% p.a. 3.20% p.a.
LVR 60.01-80% 2.79% p.a. 3.04% p.a. 3.54% p.a. 3.30% p.a.
LVR 80.01-90% 3.09% p.a. 3.34% p.a. N/A N/A
LVR > 90% 3.29% p.a. 3.54% p.a. N/A N/A

 

Express Home Loan

View Express Home Loan

Principal & Interest

Principal & Interest

Comparison rate1

Interest Only

Interest Only

Comparison rate1

Variable rate 2.69% p.a. 2.86% p.a. 3.44% p.a. 3.12% p.a.

 

Residential Home Loan

Principal & Interest

Reference rate

Principal & Interest

Comparison rate1

Interest Only

Reference rate

Interest Only

Comparison rate1

Residential Variable Rate 4.78% p.a. 4.95% p.a. 5.19% p.a. 5.11% p.a.

 

Variable - Residential Investment Lending

Complete Home Loan

View Complete Home Loan

Principal & Interest10

Principal & Interest

Comparison rate1

Interest Only10

Interest Only

Comparison rate1

LVR ≤ 60% 3.04% p.a. 3.29% p.a. 3.44% p.a. 3.41% p.a.
LVR 60.01-80% 3.14% p.a. 3.39% p.a. 3.54% p.a. 3.51% p.a.
LVR 80.01-90% 3.44% p.a. 3.68% p.a. N/A N/A

 

Express Home Loan

View Express Home Loan

Principal & Interest

Principal & Interest

Comparison rate1

Interest Only

Interest Only

Comparison rate1

Variable rate 3.04% p.a. 3.21% p.a. 3.44% p.a. 3.34% p.a.

 

Residential Home Loan

Principal & Interest

Reference rate

Principal & Interest

Comparison rate1

Interest Only

Reference rate

Interest Only

Comparison rate1

Bendigo Investment Rate 5.36% p.a. 5.53% p.a. 5.81% p.a. 5.71% p.a.

 

 

Fixed Rate - Owner Occupied Lending

Complete Home Loan

View Complete Home Loan

Principal & Interest

Principal & Interest

Comparison rate1

Interest Only

Interest Only

Comparison rate1

1 Year Complete 2.19% p.a. 2.99% p.a. 2.84% p.a. 3.24% p.a.
2 Year Complete 2.19% p.a. 2.94% p.a. 2.84% p.a. 3.18% p.a.
3 Year Complete 2.19% p.a. 2.89% p.a. 2.94% p.a. 3.15% p.a.
4 Year Complete 2.09% p.a. 2.82% p.a. 3.69% p.a. 3.34% p.a.
5 Year Complete 2.69% p.a. 3.00% p.a. 3.69% p.a. 3.35% p.a.

 

Express Home Loan

View Express Home Loan

Principal & Interest

Principal & Interest

Comparison rate1

Interest Only

Interest Only

Comparison rate1

1 Year Express       2.14% p.a. 2.81% p.a. 2.79% p.a. 3.07% p.a.
2 Year Express 2.14% p.a. 2.77% p.a. 2.79% p.a. 3.02% p.a.
3 Year Express 2.14% p.a. 2.72% p.a. 2.89% p.a. 2.99% p.a.
4 Year Express 2.04% p.a. 2.65% p.a. 3.64% p.a. 3.18% p.a.
5 Year Express 2.64% p.a. 2.84% p.a. 3.64% p.a. 3.20% p.a.

 

Fixed Rate - Residential Investment Lending

Complete Home Loan

View Complete Home Loan

Principal & Interest

Principal & Interest

Comparison rate1

Interest Only

Interest Only

Comparison rate1

1 Year Complete 2.59% p.a. 3.34% p.a. 2.79% p.a. 3.45% p.a.
2 Year Complete 2.59% p.a. 3.29% p.a. 2.79% p.a. 3.39% p.a.
3 Year Complete 2.59% p.a. 3.25% p.a. 2.79% p.a. 3.33% p.a.
4 Year Complete 2.79% p.a. 3.27% p.a. 2.99% p.a. 3.34% p.a.
5 Year Complete 2.99% p.a. 3.33% p.a. 3.19% p.a. 3.38% p.a.

 

Express Home Loan

View Express Home Loan

Principal & Interest

Principal & Interest

Comparison rate1

Interest Only

Interest Only

Comparison rate1

1 Year Express 2.54% p.a. 3.16% p.a. 2.74% p.a. 3.28% p.a.
2 Year Express 2.54% p.a. 3.12% p.a. 2.74% p.a. 3.23% p.a.
3 Year Express 2.54% p.a. 3.08% p.a. 2.74% p.a. 3.17% p.a.
4 Year Express 2.74% p.a. 3.11% p.a. 2.94% p.a. 3.18% p.a.
5 Year Express 2.94% p.a. 3.17% p.a. 3.14% p.a. 3.22% p.a.

 

 

Historical Products

Below are the fixed rate home loan interest rates available to fix or re-fix existing loans.

 

Fixed Rate - Owner Occupied Lending

Connect Home Loan

Principal & Interest

Principal & Interest

Comparison rate1

Interest Only

Interest Only

Comparison rate1

1 Year Fixed 2.39% p.a. 3.25% p.a. 3.04% p.a. 3.50% p.a.
2 Year Fixed 2.39% p.a. 3.20% p.a. 3.04% p.a. 3.44% p.a.
3 Year Fixed 2.39% p.a. 3.15% p.a. 3.14% p.a. 3.41% p.a.
4 Year Fixed 2.29% p.a. 3.08% p.a. 3.89% p.a. 3.60% p.a.
5 Year Fixed 2.89% p.a. 3.26% p.a. 3.89% p.a. 3.61% p.a.

 

Other Historical Loans

Principal & Interest rate

Principal & Interest

Comparison rate1

Interest Only rate

Interest Only

Comparison rate1

1 Year Fixed 2.39% p.a. 3.13% p.a. 3.04% p.a. 3.39% p.a.
2 Year Fixed 2.39% p.a. 3.08% p.a. 3.04% p.a. 3.33% p.a.
3 Year Fixed 2.39% p.a. 3.03% p.a. 3.14% p.a. 3.30% p.a.
4 Year Fixed 2.29% p.a. 2.96% p.a. 3.89% p.a. 3.50% p.a.
5 Year Fixed 2.89% p.a. 3.14% p.a. 3.89% p.a. 3.51% p.a.

 

 

Fixed Rate - Residential Investment Lending

Connect Home Loan

Principal & Interest

Principal & Interest

Comparison rate1

Interest Only

Interest Only

Comparison rate1

1 Year Fixed 2.79% p.a. 3.60% p.a. 2.99% p.a. 3.71% p.a.
2 Year Fixed 2.79% p.a. 3.55% p.a. 2.99% p.a. 3.65% p.a.
3 Year Fixed 2.79% p.a. 3.51% p.a. 2.99% p.a. 3.59% p.a.
4 Year Fixed 2.99% p.a. 3.53% p.a. 3.19% p.a. 3.60% p.a.
5 Year Fixed 3.19% p.a. 3.59% p.a. 3.39% p.a. 3.63% p.a.

 

Other Historical Loans

Principal & Interest rate

Principal & Interest

Comparison rate1

Interest Only rate

Interest Only

Comparison rate1

1 Year Fixed 2.79% p.a. 3.48% p.a. 2.99% p.a. 3.60% p.a.
2 Year Fixed 2.79% p.a. 3.43% p.a. 2.99% p.a. 3.54% p.a.
3 Year Fixed 2.79% p.a. 3.39% p.a. 2.99% p.a. 3.48% p.a.
4 Year Fixed 2.99% p.a. 3.42% p.a. 3.19% p.a. 3.49% p.a.
5 Year Fixed 3.19% p.a. 3.47% p.a. 3.39% p.a. 3.53% p.a.

 

All lending interest rates are subject to change. Rates are for new business and may differ for existing customers. Fees and Charges may be applicable and can be found in the Lending Fees and Charges Guide.

1 Important information about comparison rate: The comparison rate displayed is calculated for a loan of $150,000 over 25 years. If the comparison rate relates to a loan with a fixed interest rate, the comparison rate has been calculated on the basis that our current applicable variable rate will apply at the end of the fixed rate period. WARNING: The comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. 

For Bendigo Complete Fixed Rate Home Loan the comparison rate assumes a variable with Loan to Value Ratio (LVR) between 60.01%-80% will apply at the end of the fixed rate period. 

10 The variable interest rates displayed are based on the applicable Loan to Value Ratio (LVR).


Schedule of Lending Interest Rates

Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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